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Ethan McGowan

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Ethan McGowan is a Professor of Financial Technology and Legal Analytics at the Gordon School of Business, SIAI. Originally from the United Kingdom, he works at the frontier of AI applications in financial regulation and institutional strategy, advising on governance and legal frameworks for next-generation investment vehicles. McGowan plays a key role in SIAI’s expansion into global finance hubs, including oversight of the institute’s initiatives in the Middle East and its emerging hedge fund operations.

Ethan McGowan

The fiscal sentiment multiplier can crowd in investment—if credit is open and demand credible Japan’s new stimulus tests this channel amid record debt, higher yields, and shaky confidence Aim spending at skills-linked, high-productivity sectors to avoid over-investment and lock in growth

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Ethan McGowan

AI slop is flooding education and hiring, drowning out real skill Fix the system by verifying process—observed writing, evidence-linked claims, and a short oral defense Set provenance standards and incentives so accountable, source-grounded work beats paste

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Ethan McGowan

Capitals dominate because jobs concentrate, not because productivity lags elsewhere Move demand and decision rights to secondary cities to thicken labor markets Align education pipelines and public procurement to reward distributed hiring and retention

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Ethan McGowan

Shocks drain savings and push retirees to Medicaid Make LTC countercyclical: shock-based eligibility, rapid HCBS, reinsurance Pre-fund modest universal benefits to slow spend-down and keep care at home A

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Ethan McGowan

Chinese EVs are cheaper due to scale, supply chains, and subsidies Targeted EU tariffs and price floors correct subsidy-driven undercutting Link trade defense to localization, skills, and investment to protect competitiveness

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Ethan McGowan

Ageing Europe needs an optimal immigration level Set ~0.6–1.0% yearly, adjusted by jobs, housing, and language Link flows to capacity and invest to keep growth and trust Across the EU, the old-age dependency

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Ethan McGowan

Closing gender and 60+ gaps offsets ageing Frontiers need more hours; laggards need jobs and childcare Use 5-year targets, neutral taxes, late-career training In 2024, the European Union still had a gender employment gap of 1

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Ethan McGowan

Export controls slow foes, not secure leadership Invest in compute, clean power, talent Make NAIRR-style Compute Commons permanent U.S. data centers used about 183 terawatt-hours of electricity in 2024, roughly 4% of total U.S.

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Ethan McGowan

Success means steady investment and capacity Milestones and blended finance sustain momentum Run a live portfolio and fix bottlenecks Every policymaker should keep seventy-five billion in mind.

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Ethan McGowan

Europe lags by scale, not ideas: U.S.

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Ethan McGowan

Asian subsidies—especially in steel—distort prices and trade Make subsidies conditional on training and shared curricula Compete on skills to cut tariffs and lift productivity Two numbers tell the story.

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Ethan McGowan

A 15% global minimum tax cuts shifting and anchors profits to real activity More onshore earnings strengthen in-house finance and level competition; havens shrink The U.S.

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Ethan McGowan

QR code payments cut entry costs and let micro-merchants sell digitally Cash use is falling, ATMs are shrinking, and cards and wallets are rising Policy should standardize open QR rails, keep fees low, and teach acceptance skills

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Ethan McGowan

Thick markets discourage energy-efficient renovations Thin markets often push owners to upgrade Subsidies should depend on local market thickness Energy-efficient housing renovations are meant to be the quie

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Ethan McGowan

Climate disasters intensify as Europe stays weak Rising losses shift from insurers to states Europe must build resilient climate insurance Only a quarter of climate-related disaster losses in the EU are insured.

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Ethan McGowan

Trade benefit ratio maps hidden partner losses Heterogeneity stems from supply diversity Policy and education: protect high-ratio sectors, diversify The key number to start the debate isn’t the tariff rate or the trade d

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Ethan McGowan

Japan–China tensions are now a social problem; deterrence alone cannot steady the region Dedicate a sliver of rising defense spend to history education, exchanges, and crisis literacy Pair hard power with hard learning so classrooms absorb shocks instead of amplifying them

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Ethan McGowan

Export restrictions shift rare earth profits and risks inside producing countries Indonesia and China gain leverage but concentrate benefits in big firms Stronger labour and environmental rules are needed so local communities share the gains

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Ethan McGowan

French fiscal stress is raising the risk of eurozone debt contagion Shocks in France or Italy would spill into Spain, Greece, and the Balkans through banks and bond markets A permanent ECB–ESM backstop is needed to protect public investment, especially education

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Ethan McGowan

Deepfake image rights alone cannot stop fast, zero-cost copying of abusive content We need layered protection that combines law, platform duties, and strong school-level responses Education systems must train students and staff, act quickly on reports, and treat synthetic abuse as a shared responsibility

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